Note that there are cases where you are not covered: damages intentionally caused by minors aged 16 or older; damages caused by an insured person while driving or riding in a motor vehicle (covered by auto liability insurance); damages caused by a fire, explosion, or smoke originating in a building of which you are the owner, tenant, or occupant; damages caused while under the influence of alcohol. Keen to find out more?
Flora by Ethias family insurance is only available in addition to Flora tenant’s insurance or Flora roommate’s insurance.
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The contract is concluded for a period of one year. Every year, this contract is automatically renewed on its expiry date for a subsequent period of one year, unless it is cancelled by one of the parties at least 3 months before the contract expiry date.
Before subscribing to Flora private life TPL insurance, carefully check what is and is not covered in the product information sheet and the general terms and conditions. Flora Insurance is a registered trademark of Ethias SA. Ethias SA, with licence no. 196, rue des Croisiers 24, 4000 Liège, is an insurance company licensed in Belgium and subject to Belgian law. RPM Liège VAT BE 0404.484.654 – IBAN: BE72 0910 0078 4416 BIC: GKCCBEBB.
If you have a complaint, you can e-mail us at email@example.com or write to Flora Insurance, rue des Croisiers 24, 4000 Liège. If you are not satisfied with the proposed solution, you can contact the Insurance Ombudsman through the website www.ombudsman-insurance.be or by mail: firstname.lastname@example.org.
You can also file a complaint online on the ODR platform of the European Commission.